Has an insurance agent offered to save you $40 a year on your automobile insurance premium? What did you say? If the answer was yes, be careful. Chances are the agent didn't fully explain what having full or limited tort means in the event you or a loved one is injured in a Pennsylvania car accident. Additionally, the agent probably didn't mention that they may receive a bonus for how many customers they coax into opting for limited tort coverage. Don't be fooled and contact one of the limited tort lawyers in PA from the Biscontini Law Firm.
What's the Difference between Full Tort & Limited Tort?
In Pennsylvania, full tort coverage allows a policyholder to recover both economic & non-economic damages. As you can see, economic damages include items you lose income for such as not being able to work, loss of an income source, etc. Additionally, non-economic damages are including but not limited to pain and suffering, embarrassment, humiliation, and mental anguish. However, opting for limited tort coverage may restrict your ability to recover those non-economic damages.
Let's imagine a scenario where two drivers each get into an accident. Driver 1 has limited tort and Driver 2 has full tort. Some other driver that's texting while driving crashes into the back of each drivers' vehicle. Both drivers suffered severe whiplash, radiating pain down their arms, daily headaches and require physical therapy or chiropractic care. What would the result be in this scenario?
Since Driver 1 opted for limited tort coverage, this driver will settle their case against the texting driver for $0 in pain and suffering. However, since driver 2 opted for full tort coverage, they will settle with the texting driver for $85,000. As you can see, that's a lot of money lost just so someone can save $40 on their auto insurance.
Find Limited Tort Lawyers in PA Today
There are exceptions to the above rule on Limited Tort. If you have any questions, you should contact a Personal Injury attorney from the Biscontini Law Firm. They will manage your case and conduct a thorough investigation to see if there is a way to get around a Limited Tort automobile policy. Having an experienced Pennsylvania Limited Tort lawyer will give you a greater chance to get the justice you deserve.